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    • might be best to start a new thread as its one of 5 you have?  
    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
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    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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Speedo101 v LloydsTSB


speedo101
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Hi there

 

My first post I have spent some time looking around the site and now feel it may be time to act!

 

Before I proceed I would like to just make sure that I am correct in thinking that if I have all my Bank Statements for the relevant period then I do not need the SAR.

 

I would hate for the first action that I take to be the wrong one.

 

Thanks Speedo

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Hi Speedo and Welcome!:)

If you have all your statements you can just start with the Preliminary letter, I'm sure there is no need to do the SAR in this case.

Good luck, and keep us informed on how you are getting on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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I like you, had all my statements, thus dispensing with the need for the SAR letter.

 

If you have not considered it before, you should consider the type of interest you wish to add, i.e. statutory or contractual. If you add contractual you need to include it in the calculations in your preliminary letter, but if statutory you need not be concerned until you file your claim (N1 stage).

 

Have a look at my thread or read the link below to find out more. On my claim it made a £1K difference.

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html?highlight=statutory+v+contractual+interest

 

Stay with it, it will be worth it in the end.

If I have been helpful please click on my star and add a comment.

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Thank you for the replies but I now have another question (sorry)

I have realised that some of the early pages from 2002 are missing I can print them out from the website (LloydsTSB) but do I need to print them all out or just the ones with the charges on?

 

One other thing there is a sentence at the top of the statements printed from the internet that says " The personal data on this statement was correct at the time of printing. This statement is not an official Bank copy". Does this mean that I could not rely on these statements should the need arise in the future

 

Thanks once again

Speedo

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Hi

I would just print the ones with charges on.

I don't think it would matter about the wording on the top of the statements, I'm sure there have been plenty of successful claims where people have used internet statements.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi there

Having got my personal account underway I am about to start on my 2 Business accounts. Before I get going looking at the templates library do I send the prelim letter as per the personal account or do I go straight in with the business LBA

Thanks Speedo

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Hi there

Having got my personal account underway I am about to start on my 2 Business accounts. Before I get going looking at the templates library do I send the prelim letter as per the personal account or do I go straight in with the business LBA

Thanks Speedo

 

I'd imagine that your request is concerning a Business Account, you will need to go with the Business LBA.

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Hi Speedo101, we are still here, I did look at your thread this morning to help, but the link I was going to direct you to broken. I reported so it should be up and running soon and I will direct you to it, if it answers your question.

 

I think you may experience a little slowness with help as most people are not claiming as a business.

If I have been helpful please click on my star and add a comment.

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I have looked and I do not see a preliminary business letter in the library. The normal consumer one would need amending as it is not correct, inter alia, it refers to consumer regulations - therefore do not use it.

 

There is a business LBA that I am sure you have found, but anyway:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html

 

My dead link that I think should help is here, try it tomorrow:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?highlight=business#post198570

 

If you get nowhere I would go straight to LBA.

 

Read steps 5 and 6 here, note the absence of a reference to the business version of the preliminary letter but not the LBA. I presume this is deliberate:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=7

 

I am doing my best here, but I am not familar with claiming as a business, although I will be joining you soon as I have one to do, against Natwest though.

If I have been helpful please click on my star and add a comment.

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  • 3 weeks later...

Unsurprisingly there has been no positive offers from Lloyds:D

So I am now at the stage of filling out the N1

If I may I have a couple of questions at the bottom of the first page next to the Defendants name and address (which I assume you have to fill in) is a box asking for amount claimed does this box need to include the 8% interest?

 

Thanks in advance Speedo

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Thanks for that I am slightly behind with the business claims but that will be most helpful.

 

Just to make sure that I have understood correctly the box contains the total of the charges claimed + the overdraft interest + the 8% interest.

 

In 5a is the interest mentioned there the 8% or the overdraft interest and following on from that should the amount in there be the charges + the overdraft interest or just the charges

 

Sorry to be dense but I would really like this to go through 1st time without giving Lloyds the chance to delay it through any of my mistakes (as if they would)

 

Thanks Speedo

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Well although I didn't get a reply to my last post I have hopefully filled out the N1 correctly and I am off to file it today.

 

If anyone sees that I have made a glaringly obvious mistake I would apreciate a heads up.

 

Thanks Speedo

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Well I have arrived at filing the claims for the two business accounts one of them was a Ltd company so I have filed the claim in the name of the company as the bank correspondance was always sent to the company secetary. However I am unsure with the other claim whether to mention the name of the company as the correspondance wa always addressed to my husband and I not to the company although the account was in the name of the company. It does not say T/A on the statements just addressed to us but with the name of the company under the account statement heading.

 

Do I need to put on the N1 that I am signing on behalf of the company or that it is me personally making the claim for the non Ltd account.

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  • 2 weeks later...

Well Lloyds have decided to make a totally unannounced payment of £750 into my account.

Is my best option to accept it as part payment or to tell them to remove it and carry on with my claim

 

Thanks Speedo

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Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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You can wait for the letter if you like, sometimes you do not get one though. I do not think it is that important.

 

This is normal, for some reason it seems to be £750, irrespective of your claim value. Enjoy spending the money and donate a little to this site.

 

Just claim the remaining balance.

If I have been helpful please click on my star and add a comment.

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HI there

Lloyds have still not acknowledged the payment that they made into my account at the end of February so I feel it would best to accept this as part payment. My question is who do I send the letter to is it Lloyds or their solicitors that need to be informed

Thanks Speedo

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You should really inform the court, but I have not. I would not bother for now, I have seen examples where the sum has been paid again by mistake when the entire claim has been settled.

If I have been helpful please click on my star and add a comment.

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